Mark Muth | Director of IR |
Steve Steinour | Chairman, President and Chief Executive Officer |
Zach Wasserman | Senior Executive Vice President, Chief Financial Officer |
Rich Pohle | Executive Vice President, Chief Credit Officer |
Ken Zerbe | Morgan Stanley |
John Pancari | Evercore ISI |
Scott Siefers | Piper Sandler |
Steven Alexopoulos | JPMorgan |
Erika Najarian | Bank of America |
Ken Usdin | Jefferies |
Peter Winter | Wedbush Securities |
Bill Carcache | Wolfe Research |
Jon Arfstrom | RBC Capital Markets |
Greetings and welcome to the Huntington Bancshares Fourth Quarter 2020 Earnings Conference Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder this conference is being recorded. I would now like to turn the conference over to your host, Mr.